Best Business Credit Report Providers in 2026

Dun & Bradstreet is the longest-established commercial credit bureau in the United States, tracing its origins to a credit bureau on Pearl Street in New York City and stating that it has served businesses since 1841. Its company file, the D&B Commercial Graph, covers more than 650 million organisations in over 250 markets, and each entity is keyed to a D-U-N-S Number, which the company issues free of charge. Clearlake Capital completed a take-private acquisition of the company on 26 August 2025 at US$9.15 per share in cash, ending its NYSE listing.

D&B's best-known measure is the PAYDEX score, a dollar-weighted indicator of past payment performance on a 1 to 100 scale, calculated from trade experiences that suppliers submit and D&B verifies. D&B describes 80 and above as low risk, 50 to 79 as moderate and 0 to 49 as high risk. It also publishes a Delinquency Predictor Score and a Failure Score, each on a 1 to 5 scale, the latter estimating the likelihood of financial stress such as bankruptcy over 12 months, plus a D&B Rating that combines company size with balance-sheet data. A recurring limitation is that a PAYDEX score depends on suppliers choosing to report: D&B itself advises owners to ask vendors to report, because unreported experiences cannot be counted.

Experian, listed on the London Stock Exchange under the ticker EXPN, runs a US business information division alongside its consumer credit bureau. The division states that its commercial database holds third-party-verified information on 99.9% of US companies, and it sells business data through BusinessIQ and the Premier Profile credit report.

Its principal business score is Intelliscore Plus, which Experian describes as predicting seriously derogatory payment behaviour on a 1 to 100 scale, where 1 is high risk and 100 low risk; the glossary groups scores into five bands from High Risk (1–10) to Low Risk (76–100). A Financial Stability Risk Rating predicts the likelihood of payment default or bankruptcy within the next 12 months. Other named scores include the Small Business Credit Share Scores and a Business ID Theft Score.

For owners, Experian sells reports on its own site at published prices: a CreditScore Report, a ProfilePlus Report with detailed trade-line data and UCC details, and an annual Business Credit Advantage subscription with daily monitoring and alerts on inquiries. Experian notes that business scores may include information about owners and officers and are often used together with a personal credit report. Coverage outside the US is sold through separate country businesses rather than this US product line.

Equifax, the consumer credit bureau, also maintains commercial data on US businesses; its small-business page states that it provides insight on 76 million US-based businesses. Its business products for lenders and creditors include Business Credit Reports with company profiles, liabilities, public records and risk indicators, Business Risk Scores that predict delinquency and assess stability, a Credit History Report, and OneScore for Commercial, a delinquency score that uses alternative data to assess small-business risk.

Unlike D&B and Experian, Equifax does not sell its business report to owners directly from its own checkout. Its small-business page routes buyers to two approved resellers: eCredable, which sells the Business Credit Industry Report Plus 2.0 as a one-time download, and Nav, which sells monthly monitoring through its Nav Prime plans. The report covers background and performance information, an indication of credit quality and capacity to pay, and summaries of borrowing history and public records. The Equifax pages reviewed name the scores in the report but do not publish their numeric ranges, which makes Equifax's scores harder for a reader to interpret than D&B's or Experian's without the report's own guide. Equifax also operates commercial networks including the Commercial Financial Network for lender-reported data.

Creditsafe was founded in Oslo, Norway, in 1997 to deliver online credit reports to smaller businesses, and states that it now has 26 offices, more than 1,000 employees and information on over 430 million businesses. Its US site says the service is used by more than 120,000 companies worldwide.

Creditsafe's UK report sets out its scoring openly: a Risk Score from 0 to 100 that predicts the likelihood of insolvency within 12 months and is updated daily, and an International Score graded A to E for comparing companies across countries. Reports also give recommended credit and contract limits, payment trends expressed as days beyond terms (based on more than 500 million invoices), monthly bank data where available, county court judgments, HMRC deliberate tax defaulter listings, and directors, shareholders, persons with significant control and ultimate beneficial owners. The US site adds a Compliance Alert on business reports and real-time monitoring of score updates, insolvencies and director changes.

Prices are not published on the pages reviewed; buyers compare packages after a trial. Creditsafe offers a full business credit report free without card details and a limited free API sandbox. The UK page does not define what each International Score letter means, which limits cross-border comparisons for readers without an account.

Orbis was the flagship product of Bureau van Dijk, which Moody's acquired in a transaction completed on 10 August 2017; at that time BvD described its dataset as covering more than 220 million companies sourced from more than 160 information providers. Moody's now describes Orbis as covering more than 650 million companies and entities, over 99% of them private, drawing on more than 145 providers plus Moody's own sources.

Orbis is a research and risk database rather than a classic trade bureau. Its strengths are standardised financials, corporate hierarchies and ownership: Moody's cites more than 2 billion ownership links, including over 193 million active links. It adds financial strength metrics, modelled projected financials, qualitative scores for companies without full accounts, Bitsight cyber risk ratings for more than 6 million entities, and optional sanctions, PEP and adverse-news screening modules.

The Orbis page does not present a business credit score in the bureau sense, describing financial strength indicators instead, and it publishes no prices; access is arranged through a demo and contract. For a small business wishing to check its own file Orbis is not a practical route, but for multinational credit work its comparable financials and group links are its distinguishing features.

Creditreform is organised as a federation of local credit-protection associations under the Verband der Vereine Creditreform e.V., and describes a history of 145 years. It reports 162 local offices in Europe, about 162,000 member companies, nearly 4,000 employees and 88 million company records worldwide. The group works directly in 22 countries and uses a partner network elsewhere.

Its business information service lets members look up company credit data in an online database, with a separate Auslandsauskunft for foreign companies. The German site lists national and international credit reports (Bonitätsauskünfte), a self-disclosure report called Meine Bonität through which a company can see its own file, the CrefoZert creditworthiness certificate, and the MyCrefo mobile app. Creditreform also runs debt collection, including the WebInkasso ordering tool.

The main limitations for international readers are that most product detail is published in German, prices are not shown on the pages reviewed, and the solvency index scale is not explained on the pages opened for this list. Access is generally by membership, which suits firms with recurring needs more than one-off buyers.

Coface is a trade credit insurer that reports about 100,000 clients across some 200 markets, and it sells the risk information it uses for underwriting as a separate service, Coface Business Information. The product set includes Business Reports, a Score, a Credit Opinion, Portfolio Insights, Economic Insights and Monitoring, delivered through the Urba360 platform and APIs.

The Coface Score predicts the probability of default over a 12-month period and ranks companies on a standardised scale from 0 to 10. The Credit Opinion is the product most closely tied to Coface's role as an insurer. The service also provides country and sector assessments, useful to exporters judging risk beyond a single counterparty.

Coface does not publish the number of companies in its database or any prices on the pages reviewed, and the 0 to 10 scale's end points are not explained on the public page. For buyers who do not insure their receivables, the service competes directly with Creditsafe and D&B on international reports.

Altares is Dun & Bradstreet's exclusive partner in France, the Benelux and the Maghreb, and so distributes the D&B worldwide network in those markets. It states access to a global database of more than 600 million legal entities, including more than 11 million in France, and coverage in 240 countries, and says that data and information have been central to its activity for nearly two centuries.

Its credit-risk products include intuiz+, which evaluates the risk of business failure and non-payment; D&B Finance Analytics for managing international credit risk; PPI and DunTrade for analysing customers' payment behaviour; and solvency reports for assessing the financial health of partners. The payment-behaviour product gives French files a trade-payment dimension in addition to registry filings.

Altares publishes no prices on its home page, and most material is in French. For buyers outside its partner territories, the equivalent D&B products are sold by D&B directly or by other partners, so Altares is most relevant to firms with a large French or Benelux customer book.

CreditorWatch was founded in 2010 and describes itself as an Australian commercial credit agency, with more than 10,000 customers and a team of over 230 people; it holds information on all commercial businesses in Australia, including trusts, partnerships and sole traders. About 90% of its customers, it says, use it as their only credit reporting agency.

Its RiskScore combines proprietary payment-default and trade-line data with other signals to estimate a business's risk of failure over the next 12 months, on a scale of 0 to 850 where higher means lower risk, mapped to 14 grades from A1 to F. The company cites more than 50 data sources, including ATO tax defaults, trade payment defaults, court and insolvency records and accounting-software data; more than 10.4 million trade records; more than 40,000 payment defaults registered in FY26; and 3.7 million monitors placed on Australian businesses.

The product is split into Onboard (scores and decision rules), Manage (monitoring and alerts) and Collect (automated reminders and a payment portal). Coverage is essentially Australian, and the pricing page does not state currency or GST treatment explicitly, which buyers should confirm.

CreditRiskMonitor is a US company quoted over the counter under the ticker CRMZ, which says it has been trusted by customers since 1999. It states that it covers all public companies and millions of private companies worldwide, and sells two platforms: CreditRiskMonitor for credit teams and SupplyChainMonitor for supplier financial-health tracking.

Its central metric is the FRISK score, which the company says is 96% accurate in predicting public and private company bankruptcy up to 12 months in advance. The platform's payment data come partly from a free Trade Contributor Program, in which organisations contribute accounts-receivable trade data in exchange for bankruptcy prediction and payment benchmarking.

CreditRiskMonitor publishes annual starting prices, unusually for an enterprise tool: Essentials covers North America and Comprehensive covers the world, with Enterprise adding API and data-as-a-service integrations. The FRISK scale itself is not set out on the home or pricing page, and no free trial is offered beyond a demo, so evaluation requires contact with sales. Its focus on financial statements makes it stronger for larger and listed counterparties than for very small private firms.

Global Database is a founder-owned company-data provider that states it has operated since 2015 and builds its files from more than 400 official government registries, covering 600 million or more companies in over 200 countries and territories. Its product range spans business verification (KYB), ownership graphs, PEP and sanctions screening, financials, portfolio monitoring, prospecting data and a Business Credit Risk module.

The credit score runs from 1 to 100 over a 12-month horizon, banded 71–100 low risk, 41–70 moderate and 1–40 high risk; it is modelled from more than 150 parameters and recalculated when a new filing arrives. A recommended credit limit is shown with its inputs so a credit committee can adjust it. Payment behaviour comes from a contributor panel that submits receivables ledgers, and a days-beyond-terms figure is shown only when enough independent trade lines exist; judgments for England and Wales come from the Register of Judgments, Orders and Fines, and US secured-lending filings from state filing offices.

It is ranked here below the trade bureaus because its payment panel is described only in general terms and its coverage is confirmed per jurisdiction at contract rather than published in aggregate. Prices are not published; a free trial and a free credit-file pull are offered.

Nav is not a credit bureau; it is a US small-business finance service that licenses bureau data and presents it to owners alongside financing options. It reports that more than 2.7 million small businesses have used it, and its plans draw business credit data from Dun & Bradstreet, Creditsafe, Experian and Equifax, plus TransUnion personal data. Equifax names Nav as an approved reseller for its business credit monitoring.

The free plan shows business credit ranges, not exact scores, from D&B, Creditsafe, Experian and Equifax, one personal Experian score and a basic funding-readiness snapshot. Paid Nav Prime plans add the scores and report data: Track and Build include seven scores, and Expand includes eight, adding the FICO Small Business Scoring Service (SBSS) score used by many lenders, plus monthly credit coaching. Paid plans also include a Prime tradeline.

Nav is useful as a single view of several bureaus, but it serves only the owner's own business, not checks on customers or suppliers. The FAQ and the pricing table describe the Track plan's personal scores differently, so buyers should confirm what each tier includes.